What SBA's own loan files show about lending in the Pottsville, PA Micro Area, every asset class together, and what a feasibility study for a project there has to test.
Pottsville drew 155 SBA approvals across FY2017 to FY2026, worth $58.4 million gross. By loan count, Pottsville stands 364 of 928 among all areas. Half the Pottsville loans are $110,000 or smaller. Pottsville middle half: $37,500 to $377,500. Against the national median, Pottsville comes to 0.53x. By program, Pottsville has 150 7(a) loans and 5 504 loans. 3.9% of the loans in Pottsville carry a franchise brand. $58.4 million is the Pottsville dollar total.
In Pottsville, liquor store leads at 8 loans. Automotive mechanical repair follows with 6. Child care center follows with 5. That is the Pottsville class lead. Outside every class stand 109 Pottsville loans, so each Pottsville project is judged on its own facts. Pottsville consists of Schuylkill County, PA, where SBA places 155 loans.
Names below are the present holders of Pottsville loans. Pottsville 7(a) holders include Manufacturers and Traders Trust Company (62 loans, $4.0 million) and Newtek Bank, National Association (5 loans, $2.5 million). No Pottsville 504 lender meets the listing minimum. Pottsville rows serve a borrower as background. No Pottsville row states a holder's terms.
Pottsville cancellation, FY2017 to FY2024 approvals: 21.4%. It is a floor for Pottsville. Loan Analytics withholds a Pottsville ceiling: too few Pottsville loans stand behind it. No Pottsville charge-off rate prints. The Pottsville cohort is below the minimum. Read Pottsville as neither zero nor clean. Pottsville rates are floors. Loans season, and Pottsville events can still raise them. In Pottsville, a county name places each loan. Pottsville follows the July 2023 delineation. Pottsville omits loans with no county match. Pottsville totals hold untracked-class loans too.
The Pottsville trend peaks in FY2025 with 30 loans ($10.2 million) and bottoms in FY2022 with 7 ($4.9 million). FY2017 opened the Pottsville series with 16 loans ($3.1 million). FY2026 closes the Pottsville series at 27 loans, $8.4 million. A Pottsville study weighs local demand against Schuylkill County, PA competitors, not national patterns. The Pottsville budget is priced against a $110,000 median. Pottsville sits at 0.53x nationally; site, build and equipment all count. Pottsville debt service gets a downside case. The Pottsville floors above explain the caution. Pottsville value is tested against cost by appraisal. Pottsville comparables decide how. Sources and uses in Pottsville must tie to bids near Schuylkill County, PA. The Pottsville study states its limits beside Schuylkill County, PA findings.
| Loans approved, FY2017 to FY2026 | 155 |
|---|---|
| Gross dollars approved | $58.4 million |
| Median loan | $110,000 |
| Middle half of loans, from | $37,500 |
| Middle half of loans, to | $377,500 |
| SBA 7(a) loans | 150 |
| SBA 504 loans | 5 |
| Franchise share of loans | 3.9% |
| Rank among metro and micro areas by loans | 364 of 928 |
| Median loan against the national median | 0.53x |
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 21.4% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | withheld |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
SBA loans approved in the Pottsville, PA Micro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 16 | $3.1 million |
| FY2018 | 16 | $10.5 million |
| FY2019 | 9 | $1.4 million |
| FY2020 | 8 | $2.7 million |
| FY2021 | 11 | $6.5 million |
| FY2022 | 7 | $4.9 million |
| FY2023 | 15 | $4.9 million |
| FY2024 | 16 | $5.7 million |
| FY2025 | 30 | $10.2 million |
| FY2026 | 27 | $8.4 million |
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 109 |
| Liquor store | 8 |
| Automotive mechanical repair (car and truck) | 6 |
| Child care center | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
| Lender | Loans | Dollars |
|---|---|---|
| Manufacturers and Traders Trust Company | 62 | $4.0 million |
| Mid Penn Bank | 31 | $17.5 million |
| Newtek Bank, National Association | 5 | $2.5 million |
Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.
| County | Loans |
|---|---|
| Schuylkill County, PA | 155 |
Counties with 5 or more loans; smaller ones are not listed.
Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.
All assets: every 7(a) and 504 approval in the metro, including those outside the 39 asset classes.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MT-39060.
A worked example of the feasibility study a lender would read for a gas station project in Pennsylvania, financed with a USDA Business and Industry guaranteed loan.
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project in the Pottsville, PA Micro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
Start with the data.
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